Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare cards with flight and travel credits

Get companion flights and travel rewards by using your credit card.

Our pick for a flight credit: Chase Sapphire Reserve®

$300

Flight credit each year

  • Not just for travel: Get DoorDash perks,10x points on Lyft and 3x on dining
  • Signup bonus worth $900 with Chase Ultimate Rewards
  • $300 annual travel credit
Apply now

Some credit cards offer companion certificates or travel credits that you can use to pay for flights or incidental airline charges. You can offset the cost of the card’s annual fee by taking advantage of perks offered by travel credit cards.

Compare cards with travel credits or companion pass offers

Name Product Welcome offer Rewards Annual fee Filter values
Southwest Rapid Rewards® Priority Credit Card
40,000 points after you spend $1,000 on purchases in the first 3 months, plus 3x points on dining, including takeout and eligible delivery services, for the first year
3x points on dining, including takeout and eligible delivery services, for the first year, 2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
$149
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
Southwest Rapid Rewards® Plus Credit Card
40,000 points after you spend $1,000 on purchases in the first 3 months, plus 3x points on dining, including takeout and eligible delivery services, for the first year
3x points on dining, including takeout and eligible delivery services, for the first year, 2x points on Southwest Airlines and 1x points on all other purchases
$69
Delta SkyMiles® Platinum American Express Card
Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in your first 3 months plus up to $100 back in statement credits for eligible purchases at US restaurants in the same timeframe
3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases
$250
This card boasts a welcome offer worth up to $700, an annual companion certificate and valuable Delta perks. Terms apply, see rates & fees
loading

Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
The Platinum Card® from American Express
75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Chase Sapphire Reserve®
60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Earn a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
loading

Compare up to 4 providers

How can I get a companion certificate or travel credit?

This depends on the card, and they usually have these perks listed in the terms and conditions. You can also call to find out how your card distributes companion certificates or travel credits. Possible ways include:

  • An annual benefit. Many credit cards give you up until 12 months or the end of the calendar year to redeem travel credits. That means these benefits can’t be rolled over to be used the next year.
  • An earned perk. In some cases, you have to meet a spending requirement, sometimes up to $30,000 a year, before you can use your flight or travel credit.
  • By request. You may have to request a companion certificate before you can use it. This could take time, so make sure you make your request before the certificate expires.
  • To use with an eligible travel partner. Read the fine print to see if your travel credit or companion certificate is limited to a specific airline.

Will redeeming a companion certificate cost me?

Yes. You’re responsible for paying taxes and fees — usually up to $99. Check with the airline you’re booking with to get the exact cost for your ticket.

What other features do these cards offer?

  • Rewards points or frequent flyer miles. Most credit cards that offer companion certificates or travel credits also earn points per $1 spent on eligible purchases. Redeem these for flights, hotels, car rentals, online shopping and gift cards.
  • Airport lounge access. Premium credit cards could also offer you airport lounge access to provide extra comfort during your trip.
  • Travel insurance. This perk can help you save on travel insurance for your trip. You usually have to pay the entire trip with the card to qualify for travel insurance through the credit card. Check your credit card’s insurance policy for full details on how to activate it and what it covers.
  • Purchase protection. Many of these credit cards offer insurance for items you buy with the card. Coverage can range from protection against accidental damage, theft or loss to extended warranties and price guarantees.
  • No foreign transaction fees. Non-travel cards come with fees up to 3% of each transaction made abroad.
  • Save on checked bags. This perk can save you up to $30 on your first checked bag on a one-way flight. Some travel cards even extend it to others traveling on your reservation.
  • Welcome offer. Some cards offer welcome offers worth $500 or more. Typically you earn one by meeting certain purchase requirements. Once you receive the offer, you can usually redeem it for flights or other travel rewards.

Are travel credit cards worth it?

How much do these cards cost?

The rates and fees for these credit cards play a huge part in their value. To work out if one will offer you top dollar for your money there are some key details to consider:

  • Annual fee. Ideally, look for a card that has an annual fee worth the same amount as your companion certificate or travel credit so they cancel each other out. If that’s not the case, make sure the card’s other benefits are worth more than what you’re paying for the annual fee.
  • Purchase interest rate. Cards that offer companion certificates or travel credit usually have higher standard variable purchase rates than other credit card options. Make sure you pay your balance on time to avoid your card costing more than it’s worth.
  • Cash advances. If you use your credit card to get cash out, buy foreign cash, gamble or make any other cash advance transactions, you’ll likely be charged a cash advance fee worth up to 5% of the transaction.

Compare travel credit cards with no annual fee

Which cards offer companion certificates equal to their annual fee?

There are two cards out there that offer companion certificates worth the annual fee:

Bottom line

The value of companion certificates or travel credits vary based on the flights or travel you choose. Other perks could add value, but general travel cards could better suit your travel style.

Start by comparing options based on your spending habits and what you want to get out of the card. Remember to check the eligibility requirements and conditions around the voucher before you apply.

Images: Shutterstock

Back to top

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site